yesterday, we had a plasterer come in to replace a small patch of render which seemed to be hollow and to fill in a few small hairline cracks so it can be redecorated in april.
half an hour later i had a phone call telling me to come straight home. bad sign.
the render was removed between the bottom left window and the top left window. within it, all the timber (lath and plaster on the top, stone near the bottom) and lintels are rotted through, the stones are all loose and falling off. the render is holding the structure together (and thats not even attached to the building!)
so basically its now left, gaping great holesi n the wall and bits falling out. and theres no way its just that piece affected- its the whole bloody front if not round the sides and back as well . i ad to call out the council to barracade it off as its really dangerous to pedestrains. which apparently we have to pay forwhich will run into hundreds of pounds
we informed the insurance co and have now made a claim but i am worried because:
1- they keep saying wear and tear wear and tear and thsts not covered. well who would have known it was like that underneath? the mortgage survey that was done on it showed there are cracks that were not thought to be significant and usual for the age of the building. i still have aa copy of it fortunately
2-if they do pay out, will they redo the whole house or just the little bit uncovered so far? theres def more than whats showing atm
3- that section of the house which is already unstable is being supported by a not-wide-enough-anyway rotten lintel- what if it all totally collapses? is it even safe to be in it? i know its been there for ages but we havent known about it and thats the difference. also now the render is gone from there thers nothing really holding it up.
4- if they dont pay up wtf are we going to do??? its going to cost thousnads and thousands
{worried}